I just posted what the wiki says about the behaviour of the "completely rational investor". I am about to get a lump sum from the sale of a house. I will probably DCA. This wiki page irritates me too. To me it seems to imply that "potential regret" has no value and the experienced cool-headed hyper...

Thank you for responding retiredjg and linuxuser . I thought he was only interested in bond funds for his wife's 401K. I thought I was too. But I'm open to other suggestions too. I would probably use these two. DWS Core Equity A SUWAX NER 0.98 DWS Strategic Government Securities A KUSAX NER 0.81 Wou...

I would probably split it between DWS Short Duration A PPIAX NER 0.86 and DWS Strategic Government Securities A KUSAX NER 0.81 Thanks for the response linuxuser . Are you basing this primarily on the ER? Excuse my profound ignorance but should I be concerned about the KUSAX fund being up to 80% Gin...

Really? I've never heard of it. It just sounded... sort of creepy. I'm reassured that it's not that uncommon and your spouses are still intact. I poked around a bit and found this. It sounds like the loophole that allowed companies to collect on your behalf has been closed? In a typical broad-based ...

My wife just started a new job and her new employer is offering her a "free" $50,000 life insurance policy. Supposedly it doesn't come out of her paycheck, and it's a guaranteed minimum regardless of health. You can pay for more coverage but we don't need it (or even this really). Obviously, I'm sus...

I do not believe a non-deductible IRA is worth it for you even if you only put bond funds in the IRA. For it to be worth it, you need to convert it to Roth IRA at a lower tax rate, but that is not going to happen due to the rollover IRA. If you need more bond assets than you can fit in your tax-adv...

Thank you both for the replies. Chipmonk: That helps me a lot. Everywhere I've looked people seem to have a strong pro-Roth-IRA bias, and an anti-non-deductible Trad IRA bias and there are a mountain of articles and comments urging people to convert and I wasn't sure whether the Roth IRA Conversion ...

So I've been reading another vitriolic and extremely long thread here arguing the benefits of Traditional vs Roth IRAs and I'm very confused. Without wanting to start any more fights, I'm hoping that my situation is simple enough and that someone can explain it to me. Here's the summary: The good ne...

Three examples, the worst advice at the top, the most frequent giver of bad advice being my father, at the bottom: (1) In 2007 my fiancee and I went shopping for a financial adviser to help us with our debts and financial structures. Four of the five advisers instead came up with plans to take out 6...

"I'd only rebalance if it was the beginning of January, because that's the only time I do it." That's the problem with scheduled rebalancing. You miss the best opportunities. I'm not sure if I've missed something here but there's something that seems very un-bogleheadish about this whole discussion...

Ted Swippet : Thanks again for taking the time to read my post, besides spoiling my weekend. I bet you're really popular at weddings! But seriously, your post was extremely useful. englishgirl : Yes, she can and does legally work and work legally (she's a lawyer...). A lot of the spouses we know ei...

Hi all, thank you for taking the time to read my complex and rambling questions. I'm really impressed at how civil and patient everyone is here. It's like the anti-Youtube. I think I probably scared everyone off with the complexity of the tax implications but I didn't want to focus on this issue too...

Hello, First time poster here. I'm looking for some investing advice and perhaps a quick introduction to US lingo. My wife and I are Australians who have been temporarily posted (3-5 years) to the US. I work for a multinational corporation and so I am still paid in Australia. She works for a local (...